If you are attempting to construct a nest egg that will not crack, it is important to establish a safe and dependable investment strategy.

Yet last year alone, countless Americans lost their life savings because of investments that looked safe. In some cases, men and women lost both their jobs and their pensions when businesses failed to restructure, leading to bankruptcy and closures.

If you are a business owner that's restructured your business, but need more funds than restructuring can offer you, think about real estate.

For example, real estate has long been recognized as a secure, tangible investment because it typically appreciates as time passes. But most would-be investors aren't real estate specialists, and a lot of of us don't have enough money to fund the purchase of an investment property let alone to fix up a run-down house.

However, there's another strategy. It's known as cash flow investing and it allows individuals to benefit from secure and lucrative real estate investments without purchasing or selling properties.

Put simply, a real estate cash flow note is actually a private mortgage created between two individuals rather than between a buyer and a bank. What many individuals don't know is that one in 13 American houses is sold this way.

A lot like banks, which purchase previously created mortgages, private individuals can acquire cash flow notes to build profits of 20 percent or more. Here's how it works:

Let's say I sold a home for $100000 and my buyer had $50000 for a down payment. I can draw up a contract that takes $50000 down and finances the rest of the $50000 over 30 years.

Now I have a cash flow note that yields monthly payments of $299 every month secured by real estate.

As a note holder, I've got two options. I can take advantage of the monthly income and interest, or I can sell the note to another investor for instant cash.

This really is exactly where you, as an investor, come in to make money. Let's say you are an investor with $35000 to invest. I may not be willing to wait 30 years for my funds, so I'll sell you my $50000 cash flow note for just $35000.

Lots of investors find they can buy notes at great prices just because the original note holder wants to "cash out." Now you are receiving a steady monthly revenue of almost $300 and you are in a position to make a 30 percent profit on your investment-even before interest.

Best of all, in contrast to stocks and bonds, your cash flow note investment is properly secured by real estate, which is probably the most solid investment in the world.

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